支付结算体系的政府监管策略研究

发布时间：2018-01-14 08:15

本文关键词：支付结算体系的政府监管策略研究　出处：《上海交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：支付结算体系作为为货币服务的金融基础设施，在金融改革及建设中极其重要。支付结算体系的安全高效运行影响着经济，其在金融基础设施、金融安全、金融稳定乃至国际金融建设等方面均有重要意义。支付结算体系具有公共产品的属性，政府作为公共管理者在市场失灵情况下应进行干预、规制。我国支付结算体系监管作为支付结算体系的重要组成部分，，维系着支付结算体系的安全及效率。本文采用案例分析、定性与定量分析、理论与实践分析相结合的研究方法，力求摸索兼顾支付结算体系监管长远效果和短期作用的制度设计。本文按照发现问题、分析问题并解决问题的思路，从费雪方程式分析出发，在阐述货币流速对于社会经济重要性的同时，引申出支付结算体系的货币流速影响功能。随后采纳科斯交易费用理论、斯蒂格利茨政府干预理论以及政府规制公共利益理论分别对支付结算体系的安全及效率的监管目标进行阐述。再遵循支付结算体系中支付工具、支付服务组织等基本要素分类对当前存在的热点问题及其成因进行剖析，并在借鉴国外监管经验的基础上，提出优化支付结算体系监管的策略。例如本文提出构建监管框架的设想，增加与货币政策相关联的监管目标及内容，并提出支付系统单独融资、短期资金定价平台功能等具体的建议。全文共分六章节，各章节内容安排如下：第一章绪论。对支付结算体系政府监管的选题背景、意义、研究现状进行阐述，并说明研究内容和研究方法。其次分别对支付结算体系内容、支付结算体系公共产品属性、政府监管概念、公共管理职能进行界定；第二章理论基础叙述。对支付结算体系内容进行概述后,分别对科斯交易费用理论、斯蒂格利茨政府干预理论以及政府规制理论之公共利益理论进行介绍；第三章我国支付结算体系监管现状进行探讨。首先根据支付结算体系的监管依据、支付工具、支付服务组织、支付工具及电子货币等维度进行探讨，并归纳提炼出共性原因所在；第四章国外支付结算体系监管经验介绍。参考成熟金融国家实务经验，针对我国实际情况，总结我国从中可借鉴经验；第五章我国政府对于支付结算体系监管的对策建议。本部分根据第三章对于支付结算体系中支付工具、支付系统、支付服务组织等要素内容存在的问题，分别提出策略对策，形成制度性设计的安排建议；第六章为结束语。对论文的研究进行总结，提出研究创新点及不足之处，以及未来的研究方向。
[Abstract]:Payment and settlement system, as the financial infrastructure serving for money, is very important in the financial reform and construction. The safe and efficient operation of payment and settlement system affects the economy, its financial infrastructure, financial security. Financial stability and even international financial construction are of great significance. The payment and settlement system has the attribute of public goods, and the government, as a public manager, should intervene in the situation of market failure. Regulation. As an important part of payment settlement system, the supervision of payment and settlement system in China maintains the security and efficiency of payment settlement system. This paper adopts case analysis, qualitative and quantitative analysis. The research method of combining theory with practice makes every effort to explore the system design which takes into account the long-term effect and short-term effect of payment and settlement system supervision. According to the idea of finding problems, analyzing problems and solving problems, this paper starts from Fisher's equation and expounds the importance of money flow velocity to social economy at the same time. The influence function of currency velocity of payment and settlement system is derived. Subsequently, Coase transaction cost theory is adopted. Stiglitz government intervention theory and government regulation of the public interest theory of the payment settlement system of the security and efficiency of the regulatory objectives, followed the payment and settlement system in the payment tool. Payment service organization and other basic elements of the classification of the current hot issues and their causes are analyzed, and on the basis of foreign regulatory experience. For example, this paper puts forward the idea of constructing a regulatory framework, increasing the regulatory objectives and contents associated with monetary policy, and proposing separate financing for the payment system. Short-term capital pricing platform function and other specific suggestions. The full text is divided into six chapters. The contents of each chapter are as follows: The first chapter is introduction. The background, significance, research status, research content and research methods of payment and settlement system are expounded. Secondly, the content of payment and settlement system is described. The property of public goods in payment and settlement system, the concept of government supervision and the function of public administration are defined. After summarizing the content of payment and settlement system, the author introduces the theory of Coase's transaction cost, Stiglitz's government intervention theory and the public interest theory of government regulation theory. The third chapter discusses the current situation of payment and settlement system supervision in China. Firstly, according to the regulatory basis of payment and settlement system, payment tools, payment service organizations, payment tools and electronic currency and other dimensions. And induces and refines the common reason; Chapter 4th introduces the supervision experience of foreign payment and settlement system. Referring to the practical experience of mature financial countries, the author summarizes the experience of our country according to the actual situation of our country. According to the third chapter, this part is about the problems of payment tools, payment system, payment service organization and other elements in the payment and settlement system. Put forward the strategy countermeasure separately, form the arrangement suggestion of the system design; Chapter 6th is the conclusion. This paper summarizes the research, puts forward the innovation and deficiency of the research, and the research direction in the future.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;D630

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